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Hybarger & Associates

Serving Small to Mid-Size Community Banks for over Thirty Years

  • Who We Are
    • Firm's Founder and History
    • Officers
  • Who We Serve
    • Who Are Our Clients
  • What We Do
    • Asset / Liability Management >
      • Budgeting
      • Performance Analysis
      • Forecasting
      • Quality Control
      • ALM Board Reporting >
        • The Directors' Financial Digest
        • The Executive Management Series
        • The Account Level Forecasting Series
      • Alternative Planning Scenarios
    • Interest Rate Risk >
      • Reporting for Interest Rate Risk
      • Assumptions & Back-Testing
    • Portfolio Management & Accounting >
      • The InvestWise Reporting Series >
        • Portfolio Management Series
        • Financial Management Series
        • Econometric Series
      • "Total Return" Investment Strategy
    • Liquidity Risk Management
    • Capital Adequacy & Analysis
    • Dynamic Strategic Planning
    • Comprehensive Funds Management Policy
    • CECL Overview >
      • Historical Analysis
      • "Currently" Identifiable Risks
      • "Specific" Potential Risks
      • Potential "Future" Risks
      • Traditional Reserves vs CECL
    • General Consultation >
      • Holding Company Systems
      • Balance Sheet Pricing Strategies
      • Regulatory Reporting
  • What Our Clients Say
  • How We Interface
    • What happens when we become a Client?
    • How are Fees Determined?

    Performance Analysis

    Picture

    Our efforts are first directed towards preparing a detailed Annual Budget and Baseline Forecast which becomes the basis of all of our Performance Analyses

    Each month, the Performance Analysis Report compares the Bank's Actual Performance to the Budget. It computes the variances for all Volumes and Rates on all Asset and Liability categories, Interest Income and Interest Expenses, Non-Interest Income and Non-Interest Expenses, Taxes, Net Income and Key Performance Ratios.

    These variances are expressed in terms of Actual Dollars and as a Percentage, for the Current Month and on a Year-to-Date basis, and as a comparison to the Prior Month and Prior Year. Thus, the Performance Analysis Report is an essential ingredient in contributing to the Bank's successful Budgeting and Financial evaluation process.
    The Performance Analysis 
    ​
    Report shows…
    • Current Month & Year-to-Date  Comparisons of actual operating  Performance to the Budget
    • Prior Month & Prior Year   Comparisons of actual operating  Performance
    • Variances for all Volumes and  Rates expressed in both Dollars    and as a Percentage     

    Please click on the links below to view a sample of the Performance Analysis as reflected in the following three levels of reporting detail:
    • Directors' Financial Digest
    • Executive Management Series
    • Account Level Series

    Below is a sample from our Directors' Commentary collection of reporting. Following each quarter-end, this report is provided to both the Board of Directors as well as the Executive Management for each of our Client Banks:
    • Directors' Commentary ~ Quarterly Performance Analysis

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    • Who We Are
      • Firm's Founder and History
      • Officers
    • Who We Serve
      • Who Are Our Clients
    • What We Do
      • Asset / Liability Management >
        • Budgeting
        • Performance Analysis
        • Forecasting
        • Quality Control
        • ALM Board Reporting >
          • The Directors' Financial Digest
          • The Executive Management Series
          • The Account Level Forecasting Series
        • Alternative Planning Scenarios
      • Interest Rate Risk >
        • Reporting for Interest Rate Risk
        • Assumptions & Back-Testing
      • Portfolio Management & Accounting >
        • The InvestWise Reporting Series >
          • Portfolio Management Series
          • Financial Management Series
          • Econometric Series
        • "Total Return" Investment Strategy
      • Liquidity Risk Management
      • Capital Adequacy & Analysis
      • Dynamic Strategic Planning
      • Comprehensive Funds Management Policy
      • CECL Overview >
        • Historical Analysis
        • "Currently" Identifiable Risks
        • "Specific" Potential Risks
        • Potential "Future" Risks
        • Traditional Reserves vs CECL
      • General Consultation >
        • Holding Company Systems
        • Balance Sheet Pricing Strategies
        • Regulatory Reporting
    • What Our Clients Say
    • How We Interface
      • What happens when we become a Client?
      • How are Fees Determined?